Getting that 180k downpayment into HBD would be a feat right now. We really really need to up the HBD lIquidity game!

I know that crypto in many ways is nothing like banking but needs to adopt a bank like mindset, but as soon as I read this section, the old Who tune came to mind.... Meet the new boss...Same as the old boss. Really hope the decentralized nature of crypto can avoid this and is why we need to focus more strongly on decentraliztion than we alreay are. Problem is decentralization makes it hard to do banky like things :-) Tough dilemma.

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